| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSS & YERGER INSURANCE INC Filed as: ROSS & YERGER INSURANCE | P.O. BOX 1139 JACKSON, MS 39215 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE, INC | P.O. BOX 1139 JACKSON, MS 39215 | GUARDIAN | $25K | $7K | $32K | 14.59% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 39215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $497 | $5K | 10.01% |
| COWLEY INSURANCE SERVICES INC3 | 166 ROAD 598 PLANTERSVILLE, MS 38862 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $411 | $5K | 8.66% |
| ROBBINS RESEARCH AND PLANNING INC3 | 11012 COVINGTON WAY OXFORD, MS 39208 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $520 | $352 | $872 | 1.64% |
| FRANK WOODWARD CRAIG | 731 AVIGNON DRIVE RIDGELAND, MS 39157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $410 | $607 | 1.14% |
| DON M BROOKS3 | PO BOX 2112 OXFORD, MS 38655 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $23 | $328 | 0.62% |
| JASON RYAN SHEFFIELD3 | 125 MCGRAPH COVE SALTILLO, MS 38866 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $272 | — | $272 | 0.51% |
| DAN HENRY SINGLEY III3 Filed as: DAN HENRY SHINGLEY LII | 4268 SHARPSBURG DR BIRMINGHAM, AL 35213 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF MS EIN 64-0295748 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $81K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 257 | $555K |
| Dental | GUARDIAN | 257 | $219K |
| Vision | GUARDIAN | 257 | $219K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 257 | $272K |
| Short-term disability | GUARDIAN | 257 | $219K |
| Long-term disability | GUARDIAN | 257 | $219K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 236 | $336K |
| Other | GUARDIAN | 257 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.